NZ LVR Calculator
Calculate your New Zealand loan-to-value ratio and compare it with current owner-occupier or investor high-LVR thresholds.
Regional Rule Context
New Zealand Rates and Rules
Current RBNZ LVR settings classify owner-occupier loans above 80% LVR and investor loans above 70% LVR as high-LVR lending. LVR restrictions are speed limits for banks, not automatic approval or decline rules for individual borrowers.
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Result
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LVR restrictions apply to new residential mortgage lending and include exemptions. Banks may use stricter lending criteria than the RBNZ high-LVR thresholds.
Disclaimer: This calculator uses publicly available rules effective as of Dec 1, 2025 (version 1.0). Results are for informational purposes only. Always verify with official sources or a qualified professional. Last reviewed: Apr 18, 2026.
Formula
Loan-to-value ratio compares the mortgage or loan amount secured against a property with the property value. A lower LVR means more equity or deposit.
New Zealand FAQs
What LVR is high for an owner-occupier?
RBNZ currently classifies owner-occupier lending above 80% LVR as high-LVR lending.
What LVR is high for investors?
RBNZ currently classifies investor lending above 70% LVR as high-LVR lending.
Does this cover exemptions?
No. It shows the standard threshold comparison. Some lending, such as certain refinances, bridging finance, construction loans, and Kāinga Ora loans, may be exempt.
Can a bank lend above the threshold?
Possibly. The rules are speed limits on banks total new lending, and each bank applies its own credit policies.
Can I use this NZ LVR Calculator on my own web page?
You can. Look for the "Embed" button near the top of this calculator. It lets you pick a size, border style, and color palette, then gives you an iframe tag to paste into any webpage. The widget is responsive, loads fast, and costs nothing. More details at calculory.com/services/embed-calculators.
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